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Bridge Loan

Loan Types

Definition

A short-term loan used to bridge the gap between purchasing a new property and selling or refinancing an existing one.

Bridge loans provide short-term financing, typically 6 to 24 months, allowing investors to act quickly on acquisitions before securing permanent financing. They carry higher interest rates than conventional mortgages but offer speed and flexibility that traditional lenders cannot match. Investors commonly use bridge loans to acquire distressed properties, fund renovations, or close on a new deal before an existing property sells. The exit strategy, whether a refinance or sale, is a critical part of the underwriting process.

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